Skip to main content

Crypto.com Prepaid Visa Card Fees and Limits (United States)

Refer to this article for information on the US Crypto.com Prepaid Visa Card's Fees and Limits.

Updated over a week ago

ATM Limit

Midnight Card

Ruby Card

Indigo / Jade Card

Icy / Rose Card

Obsidian Card

Free ATM limit (Monthly)

US$200

US$400

US$800

US$1,000

US$1,000

ATM withdrawal limit

Daily: US$500

Monthly: US$5,000

Yearly:

No limit

Daily:

US$1,000

Monthly: US$10,000

Yearly:

No limit

Daily:

US$2,000

Monthly: US$10,000

Yearly:

No limit

Daily:

US$2,000

Monthly: US$10,000

Yearly:

No limit

Daily:

US$2,000

Monthly: US$10,000

Yearly:

No limit

ATM withdrawal frequency

Daily: 3

Monthly: 30

Yearly:

No limit

Daily: 3

Monthly: 30

Yearly:

No limit

Daily: 3

Monthly: 30

Yearly:

No limit

Daily: 3

Monthly: 30

Yearly:

No limit

Daily: 3

Monthly: 30

Yearly:

No limit

Top Up and Transfer Limit

Midnight Card

Ruby Card

Indigo / Jade Card

Icy / Rose Card

Obsidian Card

Aggregated top-up limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Aggregated top-up limit with Debit /

Credit Card

Daily: US$250

Monthly: US$2,000

Yearly:

No limit

Daily: US$1,000

Monthly: US$5,000

Yearly:

No limit

Daily: US$1,000

Monthly: US$5,000

Yearly:

No limit

Daily: US$1,000

Monthly: US$5,000

Yearly:

No limit

Daily: US$1,000

Monthly: US$5,000

Yearly:

No limit

Minimum top-up with Debit / Credit Card

US$20

US$20

US$20

US$20

US$20

Aggregated top-up limit with PayPal

Daily: US$1,000

Monthly: US$5,000

Yearly:

No limit

Daily: US$5,000

Monthly: US$15,000

Yearly:

No limit

Daily: US$5,000

Monthly: US$15,000

Yearly:

No limit

Daily: US$5,000

Monthly: US$15,000

Yearly:

No limit

Daily: US$5,000

Monthly: US$15,000

Yearly:

No limit

Cash account to card transfer limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Crypto to card transfer limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Daily: US$10,000

Monthly: US$25,000

Yearly:

No limit

Card to card transfer limit

Daily: US$100

Monthly: US$3,000

Yearly:

No limit

Daily: US$500

Monthly: US$5,000

Yearly:

No limit

Daily: US$500

Monthly: US$5,000

Yearly:

No limit

Daily: US$500

Monthly: US$5,000

Yearly:

No limit

Daily: US$500

Monthly: US$5,000

Yearly:

No limit

Load Frequency – All Card Tiers

  • Daily limit: 12

  • Monthly limit: 300

  • Yearly limit: No limit

*Please note that this is a total aggregated load frequency limit. For each top-up or transfer method, different load frequency limits may apply.

All aggregated loading limits (and only them) reset on a rolling basis, while all other limits reset on a calendar basis.

  • The daily calendar limits reset at 00:00 EST.

  • Monthly and Yearly calendar limits reset at 00:00 EST on the first of each month/1st of January.

Monthly Spending Cap for CRO Rewards

Basic (previously Midnight)

Plus (previously Ruby)

Pro (previously Jade/Indigo)

Private (previously Icy/Rose/Obsidian)

Monthly Spending Cap Eligible for Rewards*

USD or the equivalent amount in other fiat currencies

N/A

Prepaid Card: $1,250

Prepaid Card: $2,500

Unlimited

POS Purchase Limit (Includes All In-Store and Online Purchases)

Midnight Card

Ruby Card

Indigo / Jade Card

Icy / Rose Card

Obsidian Card

POS purchase limit

Daily: US$10,000

Monthly: US$15,000

Daily: US$25,000

Monthly: US$25,000

Daily: US$25,000

Monthly: US$25,000

Daily: US$25,000

Monthly: US$25,000

Daily: US$25,000

Monthly: US$25,000

POS frequency (for magnetic stripe

transactions only)

Daily:

20

Daily:

30

Daily:

30

Daily:

30

Daily:

30

Note : In addition there is an overall withdrawal limit of USD15,000 per month for Midnight Blue cards and USD25,000 for Metal cards, which includes POS Purchase, ATM withdrawals & Card to Card transfer.

Card Max Balance – All Card Tiers

  • US$25,000

Fees

  • ATM Withdrawal: 2% on amounts above the monthly free ATM limit [ATM surcharge fees charged by ATM provider (if any) will be counted towards the ATM withdrawal limit]

  • Debit/Credit Card Top-Up:

    • Debit – 1%

    • Credit – 2.99%

  • PayPal Top-Up: 2.1%

  • Reissue Card:

    • Midnight Blue – US$7

    • Other VISA Cards – US$50

  • Card Upgrade: Waived

  • Physical Card Issuance Fee:

    • Midnight: US$4.99

    • Ruby: US$29.99 for Level Up Plus plan monthly subscribers with less than 6 months of consecutive subscription. Free for Level Up Plus plan annual subscribers, monthly subscribers with at least 6 months of consecutive subscription, or users with an active Level Up lockup/stake

  • Foreign Transaction Fee: 3% on all non-USD purchases and ATM withdrawals for Midnight, Ruby, Jade/Indigo Cards (Effective 1 December 2022)

  • Inactivity: US$4.95 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes. The fee will stop being charged and the 12 months will be reset once activity resumes. Note: Declined and refunded transactions do not constitute financial activity.

Did this answer your question?